Pampa USDA Loan Rates, Closing Costs & Stats

Pampa, TX

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Pampa's 5 lenders originated 9 USDA loans during 2023. The total origination value was $1,355,000, with an average USDA loan value of $150,556.

    Pampa USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pampa averaged 0.3% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Pampa's average USDA mortgage closing costs are $5,487.

    The average rate for the prior week (2024-11-08) was 6.45% and one month ago for the week of 2024-10-11, the average rate was 6.42%.

    The average rate one year ago was 7.34%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Pampa USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Pampa level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 6.83% $7,988
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.50% $8,079
    EVERETT FINANCIAL, INC. 1 6.88% $5,247
    RANLIFE, INC. 1 6.13% $7,610
    VILLAGE CAPITAL MORTGAGE 1 5.88% $8,142

    The top Pampa USDA lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 3 USDA loans originated. Their average total fees are $7,988, which is $91 lower than the next largest lender, EUSTIS AND AMERICAN MORTGAGE COMPANY.

    The lowest fee Pampa USDA lenders (with over 10 loans originated) are .

    The lowest rate Pampa USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $117,500 (30.2%) $133,919 (9.0%) 0.00 133
    2018-02-01 $113,475 (21.0%) $132,821 (6.4%) 0.00 148
    2018-03-01 $116,800 (16.5%) $137,527 (6.7%) 0.00 144
    2018-04-01 $124,600 (14.9%) $141,561 (5.2%) 0.00 145
    2018-05-01 $125,500 (11.1%) $144,244 (6.5%) 0.00 143
    2018-06-01 $129,900 (13.0%) $148,675 (9.8%) 0.00 143
    2018-07-01 $128,000 (9.4%) $147,133 (9.4%) 0.00 161
    2018-08-01 $129,675 (11.3%) $148,696 (13.6%) 0.00 167
    2018-09-01 $126,400 (9.9%) $146,555 (10.2%) 0.00 156
    2018-10-01 $122,000 (8.9%) $133,988 (0.2%) 0.00 157
    2018-11-01 $118,500 (3.0%) $131,723 (-2.8%) 0.00 153
    2018-12-01 $119,900 (4.3%) $134,258 (-1.0%) 0.00 145
    2019-01-01 $117,625 (0.1%) $130,927 (-2.2%) 0.00 139
    2019-02-01 $115,000 (1.3%) $127,009 (-4.4%) 0.00 137
    2019-03-01 $117,107 (0.3%) $133,141 (-3.2%) 0.00 139
    2019-04-01 $117,857 (-5.4%) $138,060 (-2.5%) 0.00 139
    2019-05-01 $109,225 (-13.0%) $136,623 (-5.3%) 0.00 145
    2019-06-01 $106,000 (-18.4%) $132,338 (-11.0%) 0.00 155
    2019-07-01 $115,125 (-10.1%) $136,900 (-7.0%) 0.00 158
    2019-08-01 $114,864 (-11.4%) $138,571 (-6.8%) 0.00 157
    2019-09-01 $114,659 (-9.3%) $141,391 (-3.5%) 0.00 156
    2019-10-01 $114,523 (-6.1%) $143,270 (6.9%) 0.00 154
    2019-11-01 $112,000 (-5.5%) $140,755 (6.9%) 0.00 146
    2019-12-01 $111,000 (-7.4%) $136,488 (1.7%) 0.00 146
    2020-01-01 $105,500 (-10.3%) $132,873 (1.5%) 0.00 141
    2020-02-01 $100,000 (-13.0%) $130,366 (2.6%) 0.00 141
    2020-03-01 $107,250 (-8.4%) $133,018 (-0.1%) 0.00 137
    2020-04-01 $101,760 (-13.7%) $129,085 (-6.5%) 0.00 137
    2020-05-01 $109,500 (0.3%) $134,553 (-1.5%) 0.00 133
    2020-06-01 $92,925 (-12.3%) $129,234 (-2.4%) 0.00 139
    2020-07-01 $89,700 (-22.1%) $124,639 (-9.0%) 0.00 131
    2020-08-01 $91,450 (-20.4%) $126,537 (-8.7%) 0.00 130
    2020-09-01 $103,750 (-9.5%) $128,262 (-9.3%) 0.00 125
    2020-10-01 $105,000 (-8.3%) $130,052 (-9.2%) 0.00 112
    2020-11-01 $115,000 (2.7%) $134,495 (-4.5%) 0.00 110
    2020-12-01 $116,125 (4.6%) $134,579 (-1.4%) 0.00 106
    2021-01-01 $125,000 (18.5%) $139,240 (4.8%) 0.00 103
    2021-02-01 $122,500 (22.5%) $141,260 (8.4%) 0.00 87
    2021-03-01 $117,500 (9.6%) $142,856 (7.4%) 0.00 76
    2021-04-01 $122,500 (20.4%) $144,279 (11.8%) 0.00 68
    2021-05-01 $119,950 (9.5%) $149,590 (11.2%) 0.00 58
    2021-06-01 $130,500 (40.4%) $158,620 (22.7%) 0.00 59
    2021-07-01 $130,000 (44.9%) $150,298 (20.6%) 0.00 60
    2021-08-01 $119,225 (30.4%) $131,847 (4.2%) 0.00 67
    2021-09-01 $127,200 (22.6%) $145,689 (13.6%) 0.00 67
    2021-10-01 $130,750 (24.5%) $160,295 (23.3%) 0.00 71
    2021-11-01 $142,500 (23.9%) $203,798 (51.5%) 0.00 61
    2021-12-01 $123,625 (6.5%) $194,774 (44.7%) 0.00 57
    2022-01-01 $120,000 (-4.0%) $188,444 (35.3%) 0.00 53
    2022-02-01 $110,000 (-10.2%) $161,904 (14.6%) 0.00 44
    2022-03-01 $95,500 (-18.7%) $140,978 (-1.3%) 0.00 43
    2022-04-01 $100,000 (-18.4%) $142,312 (-1.4%) 0.00 39
    2022-05-01 $120,344 (0.3%) $159,577 (6.7%) 0.00 45
    2022-06-01 $135,000 (3.5%) $157,685 (-0.6%) 0.00 50
    2022-07-01 $131,175 (0.9%) $154,156 (2.6%) 0.00 59
    2022-08-01 $120,625 (1.2%) $150,165 (13.9%) 0.00 55
    2022-09-01 $128,700 (1.2%) $155,514 (6.7%) 0.00 44
    2022-10-01 $135,000 (3.3%) $166,016 (3.6%) 0.00 57
    2022-11-01 $137,450 (-3.5%) $172,963 (-15.1%) 0.00 65
    2022-12-01 $145,000 (17.3%) $178,627 (-8.3%) 0.00 62
    2023-01-01 $148,000 (23.3%) $182,793 (-3.0%) 0.00 61
    2023-02-01 $165,725 (50.7%) $188,689 (16.5%) 0.00 62
    2023-03-01 $149,250 (56.3%) $177,350 (25.8%) 0.00 59
    2023-04-01 $134,950 (35.0%) $180,324 (26.7%) 0.00 52
    2023-05-01 $150,275 (24.9%) $197,934 (24.0%) 0.00 41
    2023-06-01 $176,075 (30.4%) $216,549 (37.3%) 0.00 46
    2023-07-01 $159,200 (21.4%) $208,664 (35.4%) 0.00 44
    2023-08-01 $164,225 (36.2%) $203,828 (35.7%) 0.00 44
    2023-09-01 $144,400 (12.2%) $186,157 (19.7%) 0.00 41
    2023-10-01 $146,225 (8.3%) $187,810 (13.1%) 0.00 49
    2023-11-01 $151,225 (10.0%) $201,023 (16.2%) 0.00 58
    2023-12-01 $149,950 (3.4%) $201,705 (12.9%) 0.00 55
    2024-01-01 $146,450 (-1.1%) $192,278 (5.2%) 0.00 61
    2024-02-01 $157,425 (-5.0%) $205,500 (8.9%) 0.00 53
    2024-03-01 $175,000 (17.3%) $213,228 (20.2%) 0.00 53
    2024-04-01 $169,000 (25.2%) $217,328 (20.5%) 0.00 63
    2024-05-01 $149,850 (-0.3%) $207,405 (4.8%) 0.00 68
    2024-06-01 $151,250 (-14.1%) $194,946 (-10.0%) 0.00 82
    2024-07-01 $149,625 (-6.0%) $183,055 (-12.3%) 0.00 90
    2024-08-01 $149,900 (-8.7%) $182,093 (-10.7%) 0.00 101
    2024-09-01 $149,925 (3.8%) $181,109 (-2.7%) 0.00 100
    2024-10-01 $149,975 (2.6%) $184,388 (-1.8%) 0.00 102
    Pampa's median listing price for 2024-10-01 was $149,975, a difference of $3,750 (2.6%) versus the prior year and $50 versus the prior month.

    Pampa's median listing price comes in at 0% of the national average.

    Pampa's average listing price for 2024-10-01 was $184,388, a difference of $-3,422 (-1.8%) versus the prior year and $3,279 versus the prior month.

    For the 2024-10-01 period, Pampa had 102 MLS listings, a difference of 2 listings (2%) versus the prior month and 53 listings (108%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,794 sqft
    2018-02-01 0 days 1,741 sqft
    2018-03-01 0 days 1,740 sqft
    2018-04-01 0 days 1,786 sqft
    2018-05-01 0 days 1,739 sqft
    2018-06-01 0 days 1,789 sqft
    2018-07-01 0 days 1,814 sqft
    2018-08-01 0 days 1,815 sqft
    2018-09-01 0 days 1,833 sqft
    2018-10-01 0 days 1,786 sqft
    2018-11-01 0 days 1,768 sqft
    2018-12-01 0 days 1,733 sqft
    2019-01-01 0 days 1,649 sqft
    2019-02-01 0 days 1,601 sqft
    2019-03-01 0 days 1,651 sqft
    2019-04-01 0 days 1,695 sqft
    2019-05-01 0 days 1,678 sqft
    2019-06-01 0 days 1,606 sqft
    2019-07-01 0 days 1,634 sqft
    2019-08-01 0 days 1,621 sqft
    2019-09-01 0 days 1,646 sqft
    2019-10-01 0 days 1,667 sqft
    2019-11-01 0 days 1,675 sqft
    2019-12-01 0 days 1,665 sqft
    2020-01-01 0 days 1,609 sqft
    2020-02-01 0 days 1,622 sqft
    2020-03-01 0 days 1,633 sqft
    2020-04-01 0 days 1,565 sqft
    2020-05-01 0 days 1,665 sqft
    2020-06-01 0 days 1,555 sqft
    2020-07-01 0 days 1,530 sqft
    2020-08-01 0 days 1,548 sqft
    2020-09-01 0 days 1,553 sqft
    2020-10-01 0 days 1,527 sqft
    2020-11-01 0 days 1,553 sqft
    2020-12-01 0 days 1,570 sqft
    2021-01-01 0 days 1,633 sqft
    2021-02-01 0 days 1,616 sqft
    2021-03-01 0 days 1,678 sqft
    2021-04-01 0 days 1,569 sqft
    2021-05-01 0 days 1,533 sqft
    2021-06-01 0 days 1,551 sqft
    2021-07-01 0 days 1,601 sqft
    2021-08-01 0 days 1,440 sqft
    2021-09-01 0 days 1,595 sqft
    2021-10-01 0 days 1,608 sqft
    2021-11-01 0 days 1,701 sqft
    2021-12-01 0 days 1,622 sqft
    2022-01-01 0 days 1,582 sqft
    2022-02-01 0 days 1,587 sqft
    2022-03-01 0 days 1,528 sqft
    2022-04-01 0 days 1,529 sqft
    2022-05-01 0 days 1,649 sqft
    2022-06-01 0 days 1,654 sqft
    2022-07-01 0 days 1,609 sqft
    2022-08-01 0 days 1,574 sqft
    2022-09-01 0 days 1,559 sqft
    2022-10-01 0 days 1,619 sqft
    2022-11-01 0 days 1,775 sqft
    2022-12-01 0 days 1,721 sqft
    2023-01-01 0 days 1,743 sqft
    2023-02-01 0 days 1,878 sqft
    2023-03-01 0 days 1,714 sqft
    2023-04-01 0 days 1,595 sqft
    2023-05-01 0 days 1,644 sqft
    2023-06-01 0 days 1,965 sqft
    2023-07-01 0 days 1,597 sqft
    2023-08-01 0 days 1,675 sqft
    2023-09-01 0 days 1,560 sqft
    2023-10-01 0 days 1,619 sqft
    2023-11-01 0 days 1,648 sqft
    2023-12-01 0 days 1,648 sqft
    2024-01-01 0 days 1,620 sqft
    2024-02-01 0 days 1,637 sqft
    2024-03-01 0 days 1,682 sqft
    2024-04-01 0 days 1,882 sqft
    2024-05-01 0 days 1,711 sqft
    2024-06-01 0 days 1,666 sqft
    2024-07-01 0 days 1,587 sqft
    2024-08-01 0 days 1,538 sqft
    2024-09-01 0 days 1,576 sqft
    2024-10-01 0 days 1,594 sqft
    Pampa's median listing age (time on market) for 2024-10-01 was 0 days.

    Pampa's median square footage for active listings during the 2024-10-01 period was 1,594 sqft. One year prior, the average listing was 1,619 sqft.